[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bocnice.cz\/pomocna-ruka-financnich-instituci\/#Article","mainEntityOfPage":"https:\/\/www.bocnice.cz\/pomocna-ruka-financnich-instituci\/","headline":"Pomocn\u00e1 ruka finan\u010dn\u00edch instituc\u00ed","name":"Pomocn\u00e1 ruka finan\u010dn\u00edch instituc\u00ed","description":"Nab\u00eddky na p\u016fj\u010dku dnes vid\u00edme na ka\u017ed\u00e9m rohu. Rozd\u00edl je v\u0161ak p\u016fj\u010dka a p\u016fj\u010dka. N\u011bkdy … ","datePublished":"2018-09-05","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.bocnice.cz\/author\/#Person","name":"","url":"https:\/\/www.bocnice.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/55e7fbc61e9322b6822dac9bb7a03f27da3135fab89e5bb0463eeaffc32ea652?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/55e7fbc61e9322b6822dac9bb7a03f27da3135fab89e5bb0463eeaffc32ea652?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bocnice.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bocnice.cz\/wp-content\/uploads\/img_a326045_w2369_t1538220111.jpg","url":"https:\/\/www.bocnice.cz\/wp-content\/uploads\/img_a326045_w2369_t1538220111.jpg","height":0,"width":0},"url":"https:\/\/www.bocnice.cz\/pomocna-ruka-financnich-instituci\/","wordCount":450,"articleBody":"Nab\u00eddky na p\u016fj\u010dku dnes vid\u00edme na ka\u017ed\u00e9m rohu. Rozd\u00edl je v\u0161ak p\u016fj\u010dka a p\u016fj\u010dka. N\u011bkdy se jedn\u00e1 o seri\u00f3zn\u00ed nab\u00eddku a jindy jde pouze o past na d\u016fv\u011b\u0159ivce. Jak ale rozeznat ten rozd\u00edl? V\u011bt\u0161inou je zapot\u0159eb\u00ed m\u00edt aspo\u0148 z\u00e1kladn\u00ed znalosti. T\u011bm se odborn\u011b \u0159\u00edk\u00e1 finan\u010dn\u00ed gramotnost. Jsou to tedy znalosti, kter\u00e9 z\u00edsk\u00e1me bu\u010f p\u0159i z\u00e1kladn\u00edm vzd\u011bl\u00e1n\u00ed nebo na kurzech. Vy\u0161\u0161\u00ed ekonomick\u00e9 vzd\u011bl\u00e1n\u00ed je pak dom\u00e9nou vysok\u00fdch \u0161kol.Pokud ale \u017e\u00e1dn\u00e9 ekonomick\u00e9 vzd\u011bl\u00e1n\u00ed nem\u00e1me a jedin\u00e9 finance jsou v\u00a0na\u0161\u00ed pen\u011b\u017eence je t\u0159eba se poohl\u00e9dnout po n\u011bkom vzd\u011blan\u00e9m, kter\u00e9mu budeme nuceni zaplatit pro orientaci ve spletit\u00e9m finan\u010dn\u00edm sv\u011bt\u011b.Z\u00e1le\u017e\u00ed, k\u00a0\u010demu finance pot\u0159ebujeme. Pokud jsme se rozhodli postavit si d\u016fm je nejsnaz\u0161\u00ed cestou vyu\u017e\u00edt slu\u017eeb bankovn\u00edch instituc\u00ed. Ty nab\u00edzej\u00ed spoustu produkt\u016f, kter\u00e9 n\u00e1m pom\u016f\u017eou k\u00a0na\u0161emu vysn\u011bn\u00e9mu bydlen\u00ed. Asi t\u00edm nejv\u00fdhodn\u011bj\u0161\u00edm produktem, kter\u00fd je nab\u00edzen je stavebn\u00ed spo\u0159en\u00ed. To nab\u00edz\u00ed naspo\u0159it si ur\u010ditou \u010d\u00e1stku a z\u00edskat tak p\u016fj\u010dku se zv\u00fdhodn\u011bn\u00fdm \u00farokem. Podm\u00ednkou stavebn\u00ed spo\u0159en\u00ed je tedy \u010dlenstv\u00ed a pravideln\u00e9 spo\u0159en\u00ed po dobou minim\u00e1ln\u011b dvou let. N\u00e1sledn\u011b tak\u00e9 naspo\u0159en\u00e1 \u010d\u00e1stka a bonita klienta.Pokud spl\u0148ujeme v\u0161echny stanoven\u00e9 podm\u00ednky nestoj\u00ed n\u00e1m nic v\u00a0cest\u011b z\u00edskat pot\u0159ebn\u00e9 finance za rozumn\u00fd \u00farok. Ten n\u00e1m tedy vyjad\u0159uje hodnotu pen\u011bz.V\u00a0opa\u010dn\u00e9m p\u0159\u00edpad\u011b, kdy nejsme pro banku dostate\u010dn\u011b bonitn\u00ed mus\u00edme vyu\u017e\u00edvat jin\u00e9 cesty pro z\u00edsk\u00e1n\u00ed financ\u00ed. Tou hlavn\u00ed a nejv\u00fdhodn\u011bj\u0161\u00ed jsou nebankovn\u00ed instituce. Ty n\u00e1m poskytuj\u00ed pen\u00edze s\u00a0minim\u00e1ln\u00edm ru\u010den\u00edm.Je v\u0161ak zapot\u0159eb\u00ed b\u00fdt velice obez\u0159etn\u00fd. Finance jsou sice pom\u011brn\u011b levn\u00e9, ale za to m\u016f\u017eeme snadno spadnout do dluhov\u00e9 pasti. Zde nast\u00e1v\u00e1 chv\u00edle, \u017ee kdy\u017e nejsme dostate\u010dn\u011b finan\u010dn\u011b gramotn\u00ed m\u011bli bychom se poohl\u00e9dnout po n\u011bkom vzd\u011blan\u011bj\u0161\u00edm.U bez\u00fa\u010delov\u00fdch hypot\u00e9k tedy b\u00fdvaj\u00ed sazby \u00farok\u016f mnohon\u00e1sobn\u011b vy\u0161\u0161\u00ed. Co\u017e se odr\u00e1\u017e\u00ed hlavn\u011b na riziku, kter\u00e9 banky kv\u016fli klienta podstupuj\u00ed. Zde toti\u017e klient ru\u010d\u00ed pouze svou nemovitost\u00ed. Nen\u00ed tedy prov\u011b\u0159ena jeho platebn\u00ed schopnost ani \u00fav\u011brov\u00e1 minulost. Bance tedy nezb\u00fdv\u00e1 nic jin\u00e9ho ne\u017e zastavit klient\u016fv d\u016fm a d\u016fv\u011b\u0159ovat v\u00a0pravideln\u00e9 spl\u00e1tky.                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pomocn\u00e1 ruka finan\u010dn\u00edch instituc\u00ed","item":"https:\/\/www.bocnice.cz\/pomocna-ruka-financnich-instituci\/#breadcrumbitem"}]}]